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RV Insurance for Oregon

Get Oregon RV Insurance That Covers How You Actually Use Your Rig

Oregon requires 25/50/20 liability coverage for all motorized RVs—the same minimums as cars.That's $25,000 per person for injuries, $50,000 per accident, and $20,000 for property damage. Travel trailers don't legally require separate insurance, but your tow vehicle's policy won't cover damage to the trailer itself.

Explore the natural wonders of the Beaver State with Roamly, your trusted guide for Oregon RV insurance. As you journey from the rugged Pacific coastline to the high desert landscape unfolds, you'll find coverage options that match your travels. Whether you're navigating the lush Willamette Valley, exploring the Cascades, or discovering local treasures, you'll have the protection you need for Oregon's varied climates and terrain.  

With Oregon's stunning backdrop—from the nation's deepest lake to the dramatic river gorge—RV travel is an adventure like no other. Roamly's coverage adapts to Oregon's varied climates, terrains, and the needs of all RV enthusiasts. No matter how you travel, you'll find coverage that works for your RV and your lifestyle.

Who We Insure

We insure a range of RV owners, from weekend adventurers to full-time travelers:

  • Full-Time RVers: Those living in their RV year-round and needing protection for their homes on wheels.

  • Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.

  • DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.

  • Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.

What Are the Minimum RV Insurance Requirements in Oregon?

Oregon law requires RV owners to meet the following minimum liability insurance coverage: 

  • $25,000 for bodily injury per person

  • $50,000 for bodily injury per accident

  • $20,000 for property damage per accident

 This mandatory liability coverage ensures compliance with state law. Many RV owners add comprehensive or collision coverage for greater protection against accidents, theft, and weather damage.

Requirements vary by state — for current Oregon minimums, check the Oregon Department of Insurance.

How Much Does RV Insurance Cost in Oregon?

RV insurance costs vary widely in Oregon depending on your RV type, usage, and driving history. Annual premiums typically range from $700 to $3,500, depending on coverage levels and your vehicle. With Roamly, you may save up to 35% compared to some competitors, thanks to our streamlined process and competitive rates.  

Coverage terms, conditions, and availability vary by state and policy. See policy for details.

record, and bundle with other policies.

Coverage Options for Part-Time and Full-Time Oregon RVers

Whether you use your RV for occasional getaways or live in it year-round, you can customize coverage to fit your needs.

Part-Time / Weekend Use Coverage:

  • Collision Coverage: May cover damage to your RV from an accident or collision.

  • Medical Payments Coverage: May help cover medical expenses if you or a passenger are injured in an accident.

  • Uninsured/Underinsured Motorist Coverage: May cover your expenses if you're hit by an uninsured or underinsured driver.

  • Roadside Assistance: May help with towing, lockout, and fuel delivery if your RV breaks down. Verify availability in Oregon before purchase.

  • Tire & Wheel Coverage: May cover damage from tire blowouts or wheel failures. 

Coverage terms, conditions, and availability vary by state and policy. See policy for details.

Full-Time / Live-In Coverage:

  • Full-Timer's Liability: May provide liability coverage when your RV is parked and used as a residence, similar to homeowner's coverage.

  • Emergency Expense Coverage: May help reimburse you for lodging or transportation if your RV becomes disabled from a covered loss.

  • Adjacent Structures Coverage: May cover attached structures like awnings or satellite dishes if damaged.

  • Diminishing Deductibles: May reduce your deductible each year you don't file a claim, rewarding safe, claim-free driving. 

Coverage terms, conditions, and availability vary by state and policy. See policy for details.

Why Roamly?

Competitive pricing

Roamly customers can save up to 35%* on their insurance premiums compared to other RV insurance companies.

Rental incentives

Roamly policyholders are free to rent out their rig without breaking the terms of their policy.

Full coverage

We offer coverage for all RVs, including unique inventory like DIY and uplifted Class Bs and camper vans.

You have questions, we have answers

You have questions, we have answers

Yes. Oregon law requires liability insurance for motorized RVs, including motorhomes and Class A/B/C vehicles. State law mandates that these vehicles carry liability coverage, similar to automobiles, to cover potential damages or injuries you might cause to others. Requirements vary by state — check the Oregon Department of Insurance for current minimums.

Your Oregon RV insurance should be tailored to your vehicle and its usage. Liability coverage is legally required. Given Oregon's diverse geography—coastal regions, mountainous areas, and the risk of weather-related damage—comprehensive and collision coverage may be worth considering, especially in high-risk areas.

In Oregon, motorized RVs require their own insurance policy. Non-motorized RVs, like travel trailers, may need coverage confirmation from your auto policy carrier. However, additional coverage is advisable for thorough protection, especially considering Oregon's variable weather and natural landscapes.

Yes. Most insurers cancel your policy or deny claims if you rent your RV on platforms like Outdoorsy or RVshare. Roamly policyholders can rent their rigs without breaking coverage terms—it's one of the main reasons Oregon RVers choose us.

Comprehensive coverage pays for damage not caused by a collision: theft, fire, vandalism, wildfire smoke damage, and coastal moisture damage. Given Oregon's increasing wildfire risk and wet coastal climate, comprehensive coverage is essential—even though it's not legally required.

It depends on the cause. Comprehensive coverage typically covers sudden, accidental water damage (like a burst pipe or storm damage). It generally won't cover damage from long-term leaks, poor maintenance, or gradual wear. Check your specific policy for details.

Absolutely. We cover custom camper vans, owner-built conversions, and upfitted Class Bs that other insurers either reject or undervalue. We'll insure your build for its actual value—your labor, your parts, your investment.

Still have questions?

Call us at 877.725.1245

Oregon RV Insurance | Save Up to 35% | Roamly

Get Oregon RV Insurance That Covers How You Actually Use Your Rig

* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.

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Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.

Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance Company, Foremost Insurance Company, National General Insurance, Mobilitas Insurance Company, and others.

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